---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-002244"
form_type: "8-K"
ticker: "FMNB"
cik: "0000709337"
company_name: "FARMERS NATIONAL BANC CORP /OH/"
filed_at: "2026-01-28T23:59:59+00:00"
generated_at: "2026-05-16T07:12:57.048478+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q4 net income $14.6M ($0.39); NIM expands to 3.05%

## Summary
- Q4 net income $14.6M ($0.39 diluted EPS); adjusted $15.1M ($0.40); vs $14.4M ($0.38) Q4 2024.
- Net interest margin improved to 3.05% from 2.72% YoY; funding costs declined as Fed cut rates.
- Nonperforming loans fell to $26.2M from $35.3M QoQ; charge-offs of $2.5M on one loan.
- Merger with Middlefield Banc Corp., announced Oct 2025, expected to close in Q1 2026.
- Customer deposit growth $151M (3.6%) in 2025; efficiency ratio 57.11%.

## SEC filing metadata
- accession: 0001437749-26-002244
- form_type: 8-K
- ticker: FMNB
- cik: 0000709337
- company_name: FARMERS NATIONAL BANC CORP /OH/
- filed_at: 2026-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/709337/000143774926002244/0001437749-26-002244-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/709337/000143774926002244/fmnb20260115_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002244
- JSON: https://secwatch.observer/filing/0001437749-26-002244.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002244.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.